Comparison Disclaimer
Pricing and features shown are based on publicly available information. Always verify current pricing on provider websites before making decisions. We receive affiliate commissions from some providers. Information current as of January 2025.
Quick Verdict
Wise Business wins for international transfers and transparent pricing. Revolut Business is better if you need more banking features like expense management, team cards, and integrations.
- • International payments are key
- • You want lowest FX fees
- • You value transparency
- • You need team expense cards
- • You want more integrations
- • You need advanced features
Pricing Comparison
Monthly fees and transaction costs
| Cost Item | Wise Business | Revolut Business |
|---|---|---|
| Monthly fee (basic) | €0 | €0 (Free plan) |
| Monthly fee (premium) | N/A (pay-as-you-go) | €25-100/month |
| FX markup | 0.35-0.75% | 0-1% (plan dependent) |
| SEPA transfers | €0.43 per transfer | Free (on most plans) |
| International wire | Varies (transparent) | €3-5 + FX |
| Card payments received | N/A (not a processor) | 1% + €0.20 |
| ATM withdrawal | €0.50 + 1.75% | €200-1000 free/month |
Feature Comparison
| Feature | Wise Business | Revolut Business |
|---|---|---|
| Multi-currency accounts | 40+ | 25+ |
| Local bank details | 10 currencies | EUR, GBP, USD |
| Physical cards | ||
| Virtual cards | ||
| Team expense cards | Limited | |
| Expense management | ||
| Accounting integrations | ||
| API access | ||
| Fee transparency | Excellent | Good |
| E-resident friendly |
Best For Each Use Case
Wise Business Wins For:
- International payments — Best rates for sending money worldwide
- Receiving payments — Local bank details in 10 currencies
- Transparent pricing — Always see the real cost upfront
- Simple needs — Just need multi-currency accounts
Revolut Business Wins For:
- Teams — Multiple cards, expense management, approvals
- High SEPA volume — Free SEPA transfers on paid plans
- Card payments — Accept card payments directly
- All-in-one banking — More features in one platform
For Estonian E-Residents
Both Work Well for E-Residents
Both Wise and Revolut accept Estonian e-resident companies. However, there are some practical differences:
Wise for E-Residents
- • Straightforward account opening
- • Well-established e-resident support
- • Integrates with Xolo platform
- • Good for receiving client payments
Revolut for E-Residents
- • Account opening can be stricter
- • More verification questions
- • Better expense management
- • Good for team spending
Recommendation: Many e-residents use both — Wise for international payments and receiving funds, Revolut for day-to-day spending and team cards.
Frequently Asked Questions
Common questions about Wise vs Revolut
All information verified as of December 2025. Prices and features subject to change. Always verify current pricing with providers.
